Re-Invitation of sealed bid-Supply of IT equipment and software Published on Nov 25, 2022

Vehicle auction notice 23-11-2022 Published on Nov 23, 2022

Relocation notice of Butwal branch Published on Nov 22, 2022

18th AGM Notice (First Notice) Published on Nov 19, 2022

Notice regarding operation of counter Published on Nov 19, 2022

Invitation for sealed bids-Omni Channel Solution Published on Nov 18, 2022

Interest rate notice Mangsir 2079 Published on Nov 16, 2022

Invitation for sealed bids-supply and deployment of Robotic Process Automation Published on Nov 14, 2022

Invitation of sealed bids-supply and implementation of Data Loss Prevention Published on Nov 11, 2022

Invitation for sealed bids-supply and implementation of Payment Gateway Solutions Published on Nov 04, 2022

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KYC form Unclaimed Dividend for five years Dormant Account Notice Security Hygiene Tips

Interest Rate

Effective from Mangsir, 2079

  Saving Deposit Interest Rate (% p.a) Min. Balance   Interest Payment
  Sanima Super Remittance Saving Account 10.133% 0   Monthly
  Sanima Super Savings Khata 9.133% 50,000/-   Monthly
  Sanima Family Super Savings Account 9.133% 25,000/-   Monthly
  Sanima Platinum Payroll Savings Account 9.133% -   Monthly
  Sanima Dirghayu Bachat Khata 7.630% 10,000/-   Monthly
  Sanima Dirghayu Talab Khata 7.630% 0   Monthly
  Sanima Mero Bachat Khata 7.630% 0   Monthly
  Special Salary Account 7.630% 0   Monthly
  Generation Sanima Savings Account 7.133% 0   Monthly
  Senior Citizen Home Banking 7.133% 0   Monthly
  Senior Citizen Saving Account 7.133%
0
  Monthly
  Nari Bachat Khata 7.133%
0
  Monthly
  NRN Saving Account 7.133% 0   Monthly
  Sanima Sahaj Bachat Khata 7.630% 5,000/-   Monthly
  Sulav Account  7.133% 0   Monthly
  Shareholders Saving Account 7.133% 0   Monthly
  Muna Bachat  7.133% 0   Monthly
  Remittance Account 7.133% 0   Monthly
  Sanima PF Saving Account 7.133% 0   Monthly
  Sanima Nagarik Bachat Khata 7.133% 0   Monthly
  Samajik Surakshya Bachat Khata 7.133% 0   Monthly
  Other Savings Account 7.133% 0   Monthly
  Sanima FCY Saving Accounts
  USD Saving Account 5.75% USD 10.00   Monthly
  GBP Saving Account 4.75% GBP 5.00   Monthly
  EUR Saving Account 4.00% EUR 5.00   Monthly
  AUD Saving Account 5.10% AUD 5.00   Monthly
  JPY Saving Account 2.40% JPY 1000   Monthly
   CNY Saving Account
6.15%
CNY 100   Monthly
  Call Deposit(LCY) Up to 3.566% -    
  Remarks: Interest rate in existing Call Accounts opened under specific contractual agreement shall continue till the contract period.    
  Sanima FCY Call Account
  USD Call Account 2.875% USD 10.00    
  GBP Call Account 2.375% GBP 5.00    
  EUR Call Account 2.000% EUR 5.00    
  AUD Call Account 2.550% AUD 5.00    
  JPY Call Account 1.200% JPY 1000    
  CNY Call Account 3.075% CNY 100    
  Fixed Deposit  
  Time Period Interest Rate (% p.a) Minimum Balance (NPR)  
  For Individual
  3 Months and Above 12.133% For Rural Branches 10,000/-  
  3 Months and Above 12.133% For Outside Valley Branches 50,000/-  
  3 Months and Above 12.133% For Inside Valley Branches 100,000/-  
  3 Months and Above(Remittance) 13.51% For Rural Branches 10,000/-  
  3 Months and Above(Remittance) 13.51% For Outside Valley Branches 50,000/-  
  3 Months and Above(Remittance) 13.51% For Inside Valley Branches 100,000/-  
  For Institution Interest Payment
  3 Months and Above(Non Bidding) 10.133%   Monthly   
  3 Months and Above(Bidding) 10.633%   Daily/Monthly/Quarterly  
  Sanima Dhamaka Fixed Deposit-Individual
  Sanima Double Dhamaka  Fixed deposit to be doubled in 5.75 Years (Approximate)   500,000/-  
  Sanima Tin Guna Dhamaka  Fixed deposit to be tripled in 9.11 Years (Approximate)   500,000/-  
  Sanima Char Guna Dhamaka  Fixed deposit to be four times in 11.49 Years (Approximate)   500,000/-  
           
  Sanima Remittance Dhamaka Fixed Deposit-Individual
  Sanima Double Remittance Dhamaka  Fixed deposit to be doubled in  5.17 Years (Approximate)   500,000/-  
  Sanima Tin Guna Remittance Dhamaka  Fixed deposit to be tripled in 8.18 Years (Approximate)   500,000/-  
  Sanima Char Guna Remittance Dhamaka  Fixed deposit to be four times in 10.32 Years (Approximate)   500,000/-  
  Sanima Super Remittance Recurring Deposit
  1 Year to 5 Years 13.51%   1,000/-  
  Sanima Recurring Deposit, Individual
  1 Year to 5 Years 12.133%   10,000/-  
  FCY Fixed Deposit (For Individual/Institutional) (For 3 Months and Above)
  USD 7.25%   USD 1,000.00  
  GBP 6.25%   GBP 1,000.00  
  EUR 5.50%   EUR 1,000.00  
  AUD 6.60%   AUD 1,000.00  
  JPY 3.90%   JPY 1,000.00  
  CNY 7.65%   CNY 100.00  
  Interest rates for FCY Fixed Deposit to NRN and against remittance: 1% on top of above rates. Minimum Balance: USD 1000 or equivalent
  Loans and Advances        
  Types of Loan        
  A. Corporate Premium (% p.a. ) on Base Rate      
  Working Capital/Short Term Loan up to 6.00      
  Import Loan/Trust Receipt Loan up to 6.00      
  Overdraft up to 6.00      
  Export Loan/Packaging Credit up to 6.00      
  Term Loan/Bridge Gap Loan up to 6.00      
  Term Loan-Hire Purchase up to 6.00      
  B. Business Banking Premium (% p.a.) on Base Rate      
  Overdraft/Working Capital/Short Term Loan up to 6.00      
  Import Loan/Trust Receipt Loan up to 6.00      
  Export Loan/Packaging Credit up to 6.00      
  Term Loan up to 6.00      
  C. Microfinance/ Deprived Sector Premium (% p.a.) on Base Rate      
  Wholesale Loan/ Credit up to 6.00      
  Other Retail Loan up to 6.00      
  D. Retail/ Consumer Banking Premium (% p.a.) on Base Rate      
  Home Loan up to 6.00      
  Home Equity Loan up to 6.00      
  Private vehicle/Auto Loan up to 6.00      
  Commercial vehicle Loan-Others up to 6.00      
  Commercial vehicle Loan-Taxi Financing up to 6.00      
  Personal Overdraft/Personal Loan up to 6.00      
  Education Loan
up to 6.00
     
  Sanima Professional Loan up to 6.00      
  Small Business Growth Loan (SBGL) up to 6.00      
  SBGL-Auto Loan for Private Use up to 6.00      
  Auto Loan-Subvention Scheme As per Subvention Scheme Agreement      
  E. Project Financing Premium (% p.a.) on Base Rate      
  Term Loan
up to 6.00
     
  Working Capital Loan
up to 6.00
     
  Bridge Gap Loan
up to 6.00
     
  Trust Receipt Loan
up to 6.00
     
  F. Other Lending Premium (% p.a.) on Base Rate      
  Loan Against Shares
up to 6.00
     
  Loan Against FDR Rate of interest shall be coupon rate or base rate whichever is higher, plus 0-3% risk premium      
  Loan Against 1st class Bank Guarantee up to 6.00      
  Loan Against Other Bank Guarantee up to 6.00      
  Loan Against Government Securities up to 6.00      
  Gold Loan up to 6.00      
  Structured Loan up to 6.00      
  G. Consortium Loan As per Consortium meetings      
  H. Others Loan up to 6.00      
  I. Loan Against Salary Account up to 6.00      
  J. Loan Against Credit Card 2 % p.m. (24% p.a. Fixed rate)      
  K. FCY Loan up to 6.00    
  L. Fixed Rate For all Term Loan (%P.A.)        
  up to 13 Months 13 Months to 24 Months 24 Months to 36 Months Above 36 Months
  up to 14% up to 14.50%  up to 15.00% up to 15.50%
  Note: Penal Interest 2% P.A    
year month
Year Month Base Rates
2079 Kartik 10.63%
2079 Ashoj 10.50%
2079 Bhadra 10.04%
2079 Shrawan 9.57%
2079 Ashar 9.71%
2079 Jestha 9.24%
2079 Baisakh 9.24%
2078 Chaitra 9.00%
2078 Falgun 8.75%
2078 Magh 8.30%
2078 Poush 8.08%
2078 Mangsir 8.01%
2078 Kartik 7.39%
2078 Ashoj 7.45%
2078 Bhadra 6.53%
2078 Shrawan 6.14%
2078 Ashar 6.34%
2078 Jestha 5.89%
2078 Baisakh 6.54%
2077 Chaitra 6.23%
2077 Falgun 6.25%
2077 Magh 6.48%
2077 Poush 6.83%
2077 Mangsir 6.90%
2077 Kartik 7.43 %
2077 Ashoj 7.73%
2077 Bhadra 7.87%
2077 Shrawan 8.07%
2077 Ashad 8.62%
2077 Jestha 8.52%
2077 Baisakh 8.58%
2076 Chaitra 9.25%
2076 Falgun 9.30%
2076 Magh 9.43%
2076 Poush 9.29%
2076 Mangsir 9.16%
2076 Kartik 9.22%
2076 Ashoj 9.21%
2076 Bhadra 9.21%
2076 Shrawan 9.34%
2076 Ashar 9.45%
2076 Jestha 9.29 %
2076 Baisakh 9.38 %
2075 Chaitra 9.31%
2075 Falgun 9.54 %
2075 Magh 10.43% (As per previous NRB calculation)
9.68% (As per new NRB Circular)
2075 Poush 10.50% (As per previous NRB Directives)
9.75% (As per new NRB Circular)
2075 Mangsir 10.51%
2075 Kartik 10.35%
2075 Ashoj 10.55%
2075 Bhadra 10.24%
2075 Shrawan 10.10%
2075 Ashar 10.66%
2075 Jestha 10.68%
2075 Baisakh 10.63%
2074 Chaitra 10.63%
2074 Falgun 10.34%
2074 Magh 10.16%
2074 Poush 9.71%
2074 Mangsir 9.53%
2074 Kartik 10.09%
2074 Ashoj 10.27%
2074 Bhadra 10.33%
2074 Shrawan 10.19%
2074 Ashar 10.20%
2074 Jestha 10.14%
2074 Baisakh 9.67%
year month
Year Month Int. Spread (as per NRB Directive)
2079 Kartik 4.00%
2079 Ashoj 3.91%
2079 Bhadra 4.17%
2079 Shrawan 4.08%
2079 Ashar 3.86%
2079 Jestha 3.65%
2079 Baisakh 3.45%
2078 Chaitra 3.20%
2078 Falgun 3.03%
2078 Magh 3.04%
2078 Poush 2.91%
2078 Mangsir 2.63%
2078 Kartik 2.93%
2078 Ashoj 2.69%
2078 Bhadra 3.49%
2078 Shrawan 3.63%
2078 Ashar 3.73%
2078 Jestha 3.82%
2078 Baisakh 3.42%
2077 Chaitra 4.07%
2077 Falgun 3.96%
2077 Magh 4.16%
2077 Poush 4.21%
2077 Mangsir 4.14%
2077 Kartik 3.83%
2077 Ashoj 3.61%
2077 Bhadra 4.39%
2077 Shrawan 4.39%
2077 Ashad 3.47%
2077 Jestha 3.87%
2077 Baisakh 3.73%
2076 Chaitra 5.08%
2076 Falgun 5.14%
2076 Magh 4.94%
2076 Poush 5.04%
2076 Mangsir 5.25%
2076 Kartik 5.23%
2076 Ashoj 5.39%
2076 Bhadra 5.30%
2076 Shrawan 4.18%
2076 Ashar 4.35%
2076 Jestha 4.56 %
2076 Baisakh 4.72 %

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